It didn't take long for Yang Fan to answer the call, returned to Brother Min and sat down beside them, seeing that Brother Min was still not very happy, Yang Fan said: "Brother Min, this matter is so decided, don't you push it anymore, how hypocritical? Are we two brothers really going to become hypocritical, are you willing?"

When Yang Fan said those heavy words, Brother Min had actually agreed, but Brother Min didn't want He Yeqing to touch these fields.

In any case, the relationship between Brother Min and He Yeqing is far from this level. Brother Min and He Yeqing are very similar, that is, they are actually calm enough.

Even if the relationship between He Yeqing and Brother Min is already very deep, Brother Min is not very willing to involve He Yeqing in this kind of thing, not to mention that the relationship between him and He Yeqing is far from that level now.

"I've got something to go out about, you can talk. Yang Fan stood up, said this, left the Shunxin Hotel, and drove straight to Tianjing University.

The phone call just now was not from someone else, it was Sun Liang who called, and on the phone, Sun Liang told Yang Fan that someone showed up and wanted to lend them money, but the money had to be calculated as interest.

During this time, Sun Liang, Zhang Wei and Wang Haifeng often went to Huang Lezi to buy drugs according to the original plan, and the money on the three of them was squandered in a short time. Immediately, they began to borrow money from the classmates around them, and they usually don't go to class much, and even when they go to class, they are lying on the table and falling asleep.

In short, these three people are now completely pretending to be addicts.

Just yesterday, Sun Liang and the three of them had reached the point of exhaustion, and they could no longer borrow money. Moreover, the classmates who lent the money also despised the three of them. As the saying goes, it is not difficult to borrow well and borrow again, but if you don't repay it, not only will you not be able to borrow money again, but even the creditor classmates have begun to despise them, which also can't complain that those creditor classmates despise them.

Soon, Yang Fan rushed to Tianjing University and appeared in Sun Liang's dormitory.

"What's going on?" Yang Fan asked, closing the door of the dormitory after arriving.

Sun Liang and the three of them were lying lazily on the bed, but when they saw Yang Fan coming, they all rolled over from the bed and sat up, Zhang Wei even opened the door of the dormitory, and looked around with a probe before closing the door of the dormitory again.

"The three of us have borrowed all the money we can borrow. Wang Haifeng smiled and said: "Now I can't borrow money, someone has come to lend us money, saying that the money will be calculated for us interest." ”

"Who is here?How did you say it?How do you calculate the interest?" Yang Fan nodded and asked.

"The person who came was Qu Huayi, who said that he knew that we were short of money now, and he could lend us money, but he had to calculate interest. Wang Haifeng said: "The interest is calculated by three points!"

"Typical usury. Yang Fan said disdainfully: "It's just that the interest he calculated for you is not high." Tell me about that Qu Huayi, what the hell is he doing?"

"Junior. Wang Haifeng said: "After he came to us, we asked someone to inquire about Qu Huayi's situation, this guy is very ordinary, and he hasn't done anything out of the ordinary in school." ”

"It's not unusual to be able to give you loan sharks. Yang Fan smiled and said, "And I can't find out anything, which is even more unusual." ”

Yang Fan originally thought that Sun Liang and the three of them had no money, and they had also borrowed money from their classmates, and the guy who wanted to use drugs to control them would soon come up, but he didn't expect that he didn't see this person come forward, but a loan shark came out! Things are really getting more and more interesting, there are people who put usury in school?

A university, usury, drug addiction and drug trafficking, which makes Yang Fan even have a delusion, Tianjing University is simply the epitome of underworld life!

This Qu Huayi, who is no different from ordinary students, is very likely to have something to do with the guy who controls student drug trafficking!

Usury is called water lending in the Tao, and it comes in various forms. But there is one thing in common, these loan sharks will have a relationship with gangs. Otherwise, they will not come back with a lot of bad debts, and at that time, the loan sharks will spend a lot of money to seek the help of gangs to get such bad debts.

Moreover, many gangs will go the road of loan sharking when they first start. When the gang develops and has a certain amount of accumulation, it will leave behind this road where the money is not so fast and so stable. There are even some gangs that will continue the road of usury, and become bigger and bigger, and obtain various returns through the means of lending. For example, some people are not usurious and will get their real estate and exchange it for money.

Once the usury reaches this point, it will not be a simple matter of releasing water to collect interest, but a blatant trick and robbery!

As for Sun Liang and the three of them, their families are not from Tianjing, and they are students, so they don't have any real estate at all. The only explanation is that this Qu Huayi may have something to do with the guy who controls the students' drug use and trafficking.

Of course, another possibility cannot be ruled out, that is, this Qu Huayi is really a loan shark in school.

"By the way, did this Qu Huayi say how to calculate interest for you?" Yang Fan suddenly thought of this question and immediately asked out loud.

"Didn't I tell you just now, Qu Huayi said that the interest will be calculated for us according to three points. Sun Liang said: "When did you remember so badly." ”

"I know it's three cents of interest, but did he say it's daily interest or monthly interest?" Yang Fan explained: "There are many forms of usury! The difference between daily interest and monthly interest is too big, they generally look at the people who cook the food, or in other words, depending on the length of time you use the money to calculate the interest.

If it's just a turnover, you will pay it back in a few days, and they will calculate the interest on you according to the daily interest. If you use it for a long time, they will calculate the interest for you at the monthly rate!

For example, if you lend him 10,000 yuan, the monthly interest rate is 300 yuan a month, and the daily interest rate is 300 yuan a day! A loan shark will choose the way to lend according to his own income, and it doesn't matter whether you can accept them or not. ”

"Who is so stupid, borrowing usury can be repaid in a few days, and he also said that he won't be able to get it in a month!" Zhang Wei said after hearing Yang Fan's words.

"Do you think you're smart?" Yang Fan rolled his eyes and said: "The daily interest rate is low, the monthly interest rate is high! If you use it for a few days, it may be a few cents of interest for you, and if you use it for a month, the interest will be several times the daily interest! Zhang Wei, the usury is definitely smarter than you! No matter what kind of interest you choose, in short, it will be in line with the word usury!"

"Qu Huayi only said that it would be calculated for us according to three cents of interest, not whether it was daily interest or monthly interest!" Zhang Wei said.

"Do you want to call him and ask him?" Sun Liang said: "We didn't agree to borrow money, and he didn't say anything, but left a phone number, saying that we wanted to use the money and could call him at any time." ”

"Give him a call. Yang Fan nodded and said, "Don't mention the daily interest, monthly interest and the like, just say that you want to borrow 20,000 yuan, and ask him how long it will take to repay the money." ”

Sun Liang nodded, and made a phone call to Qu Huayi in front of Yang Fan. The two ended the fairy tale after only a few words, and Sun Liang turned to Yang Fan and said: "Qu Huayi said that in six days, borrow 20,000 yuan, and according to the three-point interest, it must be paid off in six days." He also said that if the money is not paid after six days, when the interest is calculated again, it will not be 20,000 yuan, but the interest will be calculated together with the interest. ”

"If you want to talk about a six-day repayment period, the interest is not too high. Yang Fan nodded, changed his words, and said, "But he came for you according to the algorithm of profit." Rolling interest is the most ruthless trick of usury. The more you can't pay it back, the more you can't pay it back. ”

Speaking of this, Yang Fan stopped talking, and became more and more sure that this Qu Huayi must have something to do with the guy who controls college students' drug abuse and trafficking.

If you really just make some money by lending usury, you won't do such a vicious thing as rolling profits. This Qu Huayi, using the means of rolling interest to Sun Liang and the three usury, will not be so simple.

"Then can we borrow this money?" asked Wang Haifeng at this time.

"Borrow. Yang Fan nodded and said, "Just borrow 20,000 yuan as you just said, you borrowed this money, and you have to go to Huang Lezi to continue to buy goods! ”

"You mean Qu Huayi has something to do with the people who made us addicted to drugs?" Wang Haifeng immediately figured this out.

Yang Fan nodded and said, "I originally thought that you had spent all the money, and then borrowed all the money from the classmates around you, and when you couldn't borrow money again, that person would jump out." I didn't expect that there would be a loan shark Qu Huayi. Things don't seem to be as simple as I thought.

Although the money Qu Huayi lent you is calculated according to the interest of three cents, there is only a six-day repayment period, and the key thing is that he is calculating the interest for you in the way of rolling interest.

This is clearly to make you pay less and less money, what can be the purpose of making you not pay back?"

Speaking of this, Yang Fan's gaze swept over the three of them one by one before continuing: "The three of you have to be ready. ”

"What preparations?" the three asked in surprise.

"Not yet prepared for usury. Yang Fan smiled and said, "Since Qu Huayi didn't plan that you could repay the money, you have to be prepared to pay it back." Since there is a loan shark Qu Huayi, which complicates the originally simple things, there will be a lot more things happening. For example, if you don't pay the money, you'll be beaten up or something. ”

"Isn't it?" Zhang Wei said in amazement, "He's going to beat us up?"

"Don't worry, even if I beat you up, it will definitely be just a skin injury. Since they want to control you, they won't be cruel to you, I can guarantee that, but they don't necessarily beat you up, so I say you have to be prepared. Yang Fan said with a smile: "Okay, I'm leaving, you can borrow money tomorrow." ”